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Protection Products

Life Cover

Critical Illness Cover

Life Cover

Life Cover is designed to protect you and your family financially, by paying out a sum if the assured person dies or, in some cases, is diagnosed with a terminal illness. The amount you pay is guaranteed to remain the same throughout the term of the policy, unless you change the cover.

A choice of three term types is available:

Fixed term: cover can last from 5 to 40 years

Rolling term: a 10 year renewable term that can last for the whole of your life

Guaranteed whole life: can last for as long as you need it

Critical Illness Cover

Critical Illness Cover pays out an agreed sum if you are diagnosed with, or need treatment for, a serious illness or condition detailed in the plan's list of 65 illnesses, conditions and treatments which includes terminal illnesses and serious injuries. Up to the age of 21, your children can also benefit from cover at no extra cost.

Protection Products: associated risks

To ensure you have the appropriate cover, it's vital that you answer all the questions in your application fully and accurately. Failing to mention an existing medical condition, for example, might prevent you receiving a payout in the event of a claim.

If you stop paying the premiums before the end of your policy, your cover will end after 30 days with no refund.

These "pure protection policies" are not investment or savings products and have no cash value unless a valid claim is made.

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Important informationInvestment products are not insured by any governmental agencies, are not bank deposits, and are neither obligations of, nor guaranteed by, Citigroup, or any of its affiliates, unless otherwise stated.

Investment products are subject to investment risks, including possible loss of some or all of the principal amount invested. Past performance is not indicative of future results, investments can go down as well as up.

All policies are subject to application and underwriting. Further terms and conditions apply and can be obtained in branch or through your relationship manager. Protection products are arranged by Citibank Europe plc and provided and underwritten by Old Mutual Wealth Life Assurance Limited. Registered in England and Wales, Registered Number 1363932. Old Mutual House, Portland Terrace, Southampton SO14 7EJ. Authorized by the Prudential Regulation Authority and regulated by the Financial Conduct authority and the Prudential Regulation Authority – www.fca.org.uk/register Financial Services Register Number 110462.

Investment and insurance products are not insured by any governmental agencies, are not bank deposits, and are neither obligations of, nor guaranteed by, Citigroup, or any of its affiliates, unless otherwise stated. Investment products are subject to investment risks, including possible loss of some or all of the principal amount invested. Past performance is not indicative of future results, investments can go down as well as up.